The Content is protected by copyright under both Canadian and foreign laws. Title to the Content remains with CNA or its licensors. Any use of the Content not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark, and other laws. Content and features are subject to change or termination without notice in the editorial discretion of CNA. All rights not expressly granted herein are reserved to CNA and its licensors.

If you violate any of these Terms and Conditions, your permission to use the Content automatically terminates and you must immediately destroy any copies you have made of any portion of the Content.

Liability of CNA and its Licensors

The use of the CNA Sites and the Content is at your own risk.

When using the CNA Sites, information will be transmitted over a medium which is beyond the control and jurisdiction of CNA and its suppliers. Accordingly, CNA assumes no liability for or relating to the delay, failure, interruption or corruption of any data or other information transmitted in connection with use of the CNA Sites.

The CNA Sites and the Content are provided on an "as is" basis. CNA, its licensors, and its suppliers, to the fullest extent permitted by law, disclaim all warranties, either express or implied statutory or otherwise, including but not limited to the implied warranties of merchantability, non-infringement of third parties' rights, and fitness for particular purpose. Specifically, CNA, its licensors and its suppliers make no representations or warranties about the accuracy, reliability, completeness, currentness or timeliness of the Content, software, text, graphics, links, or communications provided on or through the use of the CNA Sites or CNA.

In no event shall CNA, its licensors, its suppliers or any third parties mentioned on the CNA Sites be liable for any damages, (including, without limitation, incidental and consequential damages, personal injury/wrongful death, lost profits, or damages resulting from lost data or business interruption) resulting from the use or inability to use the CNA Sites or the Content whether based on warranty, contract, tort or any other legal theory, and whether or not CNA is advised of the possibility of such damages

User Submissions

Any personal data (for example, your name, address, telephone number or e-mail address) you transmit to the Sites by electronic mail or otherwise will be used by CNA in accordance with the Sites' Privacy Policy. All other remarks, suggestions, ideas, graphics, or other information communicated to CNA through or by reason of these Sites will forever be the property of CNA.

You agree that you will not upload or transmit any communications or content of any type that infringe or violate any rights of any party. By submitting communications or content to any part of these Sites, you agree that such submission is non-confidential for all purposes, unless it is personal data. If you make any such submission, you automatically grant or warrant that the owner of such content has expressly granted CNA a royalty-free, perpetual, irrevocable, world-wide nonexclusive licence to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform and display the communication or content in any media or medium, or any form, format or forum now known or hereafter developed. CNA may sublicense its rights through multiple tiers of sublicences.

Advertisements and Links to Other Sites

CNA does not endorse the content on any third-party websites. CNA is not responsible for the content of linked third-party sites, sites framed within the CNA Sites, or third-party advertisements, and does not make any representations regarding their content or accuracy. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such sites. CNA does not endorse any product advertised on the CNA Sites.

Indemnity

You agree to defend, indemnify and hold CNA its officers, directors, employees, agents, licensors and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from or alleged to result from, your violation of these Terms and Conditions.

General

CNA has its head office in Ottawa, Ontario, Canada. CNA makes no claims that the Content is appropriate or may be downloaded outside of Canada. Access to the Content may not be legal by certain persons or in certain countries. If you access the CNA Sites from outside Canada, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. All of these Terms and Conditions survive the expiration or termination of the CNA Sites or of the Terms and Conditions as a part of the CNA Sites for any reason whatsoever.

Jurisdiction

You expressly agree that exclusive jurisdiction for any dispute with CNA, or in any way relating to your use of the CNA Sites, resides in the courts of the province of Ontario and you further agree and expressly consent to the exercise of personal jurisdiction in the courts of the province of Ontario in connection with any such dispute including any claim involving CNA, its affiliates, subsidiaries, employees, contractors, officers, directors, telecommunication providers and content providers.

These Terms and Conditions are governed by the laws of the province of Ontario and the laws of Canada applicable thereto, without respect to conflict of laws principles. If any provision of these Terms and Conditions is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any of these Terms and Conditions shall be effective unless in writing and, signed by an authorized signing officer of CNA and no such waiver shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

Complete Agreement

Except as expressly provided in a particular "legal notice" on the CNA Sites, these Terms and Conditions constitute the entire agreement between you and CNA with respect to the use of the CNA Sites and Content.

Thank you for your cooperation. We hope you find the CNA Sites helpful and convenient to use! Questions or comments regarding these Sites should be directed by e-mail to cna@cna-aiic.ca or via mail to CNA, 50 Driveway, Ottawa, Ontario, K2P 1E2 CANADA. Attention: Privacy Officer.